1. Differentiate your loan type. Whether it is a bank loan or a small loan, the classification record is very good, and this step is very important. Don't be afraid. Even if you are afraid, you should summon up the courage to record it. Because classification can also help you better understand your current loan quantity, type, repayment period and other details, and specify corresponding plans according to different types.
2. Different treatment methods should be adopted according to different types. Bank loans, such as credit cards or installment payments, must be faced. You can call the bank to negotiate and pay in installments to minimize liquidated damages or late fees. Some talkative banks can see your repayment attitude, which will cost you a lot. Some small loan companies may involve the phone number of the dunning company. As soon as this phone call is made, some psychologically fragile people will easily collapse.
This is the most important point, that is, find a formal job as soon as possible, try to face your own work and increase your income. This is the most important and best way to solve the problem.
1. Internet finance still belongs to finance in essence, and has not changed the characteristics of financial risks such as concealment, contagion, universality and suddenness. At the same time, Internet finance is a new thing and a new business. Formulate moderately loose regulatory policies to leave room for Internet financial innovation. Encourage innovation, strengthen supervision and support each other, promote the healthy development of internet finance and better serve the real economy.
2. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct borrowing between individuals through the Internet platform. The direct lending of personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by Contract Law, General Principles of Civil Law and relevant judicial interpretations in the Supreme People's Court. Internet micro-credit refers to the micro-credit provided to customers by Internet companies through their holding micro-credit companies. Network microfinance should abide by the existing regulatory provisions of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. The online loan business is supervised by the CBRC.